Inspiration
Denied insurance claims leave healthcare providers waiting for cash. They need liquidity to continue funding day-to-day operations. SUBRO connects upfront funding with automated insurance recovery.
Why this matters
- $18 billion spent by U.S. hospitals fighting claim denials in 2025. AHA
- 41.2% of rural hospitals operated at a loss, according to a 2026 analysis. Chartis
- 417 rural hospitals were vulnerable to closure in that analysis. Chartis
- 68.6% of denied claims were eventually paid in Premier’s survey of 2023 claims, but providers averaged three review rounds, each taking 45–60 days. Hospitals need cash for staff, supplies, and patient care while that reimbursement is delayed.
SUBRO explores how automated claim recovery and upfront funding could help healthcare providers access cash sooner when customers have insurance and can't pay out of pocket.
What it does
Prices denied claims, simulates funding, and runs recovery workflows with evidence, actions, and outcomes in one place.
$$ \text{Expected profit} = (\text{Collectible} \times P(\text{recovery})) - \text{Advance} - \text{Costs} $$
120 synthetic claims. No real patient data or money.
How we built it
Next.js, React, TypeScript, and Tailwind CSS. Deterministic pricing handles the math; a bounded recovery agent supports optional AI-assisted appeal drafting.
Challenges
Preventing duplicate transactions, separating forecasts from outcomes, and knowing when recovery should stop.
What we learned
Trustworthy automation needs evidence and limits (guardrails), hence I built an audit trail and ledger. The way our records were formatted and the information each record contained was very important.
Built With
- css
- lucide
- next.js
- node.js
- react
- recharts
- tailwind
- typescript
- vercel
- vitest
